:root{
  --bg:#ffffff;
  --text:#151515;
  --muted:#5a5f6a;
  --line:#e8e8ec;
  --accent:#c51010;
  --accent-dark:#8f0c0c;
  --soft:#fff6f6;
  --card:#ffffff;
  --shadow:0 12px 34px rgba(0,0,0,.06);
  --radius:22px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font:16px/1.68 Arial,Helvetica,sans-serif;
  color:var(--text);
  background:var(--bg);
}
img{max-width:100%;height:auto}
a{color:var(--accent-dark);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.topbar{
  border-bottom:1px solid var(--line);
  position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(10px);z-index:99;
}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:#111}
.brand img{width:38px;height:38px}
.menu{display:flex;gap:20px;flex-wrap:wrap}
.menu a{font-weight:700;color:#20242c}
.cta{display:inline-block;background:var(--accent);color:#fff;padding:12px 18px;border-radius:999px;font-weight:700;box-shadow:var(--shadow)}
.cta:hover{text-decoration:none;background:var(--accent-dark)}
.hero{
  padding:64px 0 34px;
  background:linear-gradient(180deg,#fff 0%,#fff8f8 100%);
}
.hero-grid{display:grid;grid-template-columns:1.35fr .9fr;gap:34px;align-items:center}
.card, .feature, .article-card, .faq-item, .notice, .mini-card, .toc{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)
}
.hero-copy h1{font-size:clamp(34px,5vw,58px);line-height:1.08;margin:0 0 18px}
.hero-copy p{font-size:19px;color:var(--muted);margin:0 0 22px}
.hero-points{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:24px 0}
.hero-points div,.list-check li{
  padding:12px 14px;border:1px solid var(--line);border-radius:16px;background:#fff
}
.hero-side{padding:28px}
.hero-side img{width:118px;height:118px;display:block;margin-bottom:18px}
.kicker{display:inline-block;font-size:13px;font-weight:800;color:var(--accent);letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.section{padding:44px 0}
.section h2{font-size:clamp(28px,3.5vw,40px);line-height:1.15;margin:0 0 12px}
.section-lead{max-width:820px;color:var(--muted);font-size:18px;margin-bottom:22px}
.grid-3,.grid-2,.blog-grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.blog-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.feature,.article-card,.mini-card,.faq-item,.notice,.toc{padding:24px}
.feature h3,.article-card h3,.mini-card h3{margin-top:0;font-size:22px}
.article-card p,.feature p,.mini-card p,.faq-item p,.notice p, .meta{color:var(--muted)}
.badge{display:inline-block;background:var(--soft);color:var(--accent-dark);border:1px solid #ffd0d0;padding:6px 10px;border-radius:999px;font-size:13px;font-weight:700}
.notice{background:#fffdf8}
.steps{counter-reset:item;padding-left:0;list-style:none}
.steps li{counter-increment:item;padding-left:58px;position:relative;margin:0 0 18px}
.steps li::before{
  content:counter(item);position:absolute;left:0;top:1px;width:38px;height:38px;border-radius:999px;background:var(--accent);color:#fff;
  display:grid;place-items:center;font-weight:800
}
.list-check{padding-left:0;list-style:none}
.list-check li{margin-bottom:10px}
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}
th,td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#fbfbfd}
footer{border-top:1px solid var(--line);padding:36px 0 60px;margin-top:30px}
.footer-grid{display:grid;grid-template-columns:1.1fr .8fr .8fr;gap:20px}
.small{font-size:14px;color:var(--muted)}
.disclaimer{
  border-left:4px solid var(--accent);
  background:#fff7f7;padding:16px 18px;border-radius:14px;margin:18px 0 0
}
.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px}
article h1{font-size:clamp(32px,4.5vw,50px);line-height:1.1;margin-bottom:10px}
article h2{margin-top:36px;font-size:30px}
article h3{margin-top:24px;font-size:24px}
article p, article li{font-size:18px}
article ul, article ol{padding-left:22px}
.toc a{display:block;padding:8px 0;border-bottom:1px solid var(--line);font-weight:700}
.toc a:last-child{border-bottom:0}
.callout{background:#f8fbff;border:1px solid #dbe9ff;border-radius:18px;padding:18px 20px}
.center{text-align:center}
@media (max-width:960px){
  .hero-grid,.content-wrap,.footer-grid,.grid-3,.grid-2,.blog-grid{grid-template-columns:1fr}
  .menu{display:none}
  .hero-points{grid-template-columns:1fr}
}